Analysis of the Factors Influencing the Adoption of QRIS, E-Wallets, and Mobile Banking Among Generation Z
DOI:
https://doi.org/10.54065/ijed.6.2.2026.781Keywords:
Digital Money Preference, QRIS, E-Wallet, Mobile Banking, Non-Cash TransactionAbstract
This study analyzes preferences for digital money types in daily non-cash transactions by comparing QRIS, e-wallet, and mobile banking use among 40 respondents. The research was developed from questionnaire data collected online and processed with descriptive quantitative analysis. The study focuses on three preference indicators: frequency of use, perceived ease of use, perceived security, and perceived service quality. The results show that QRIS is the most frequently used digital payment instrument, selected by 21 respondents or 53 percent of the sample, followed by mobile banking with 12 respondents or 30 percent and e-wallet with 7 respondents or 18 percent. QRIS also remains the leading option in the fairly frequent use category, while mobile banking is the most dominant instrument in the rarely used category. Respondents generally expressed positive evaluations of digital money services, especially in terms of ease of use and quality. The findings indicate that practical access, speed, merchant acceptance, and user confidence are important factors shaping the preference for digital money. The study concludes that QRIS has a high level of acceptance among respondents and can be strengthened through user education, transaction security, and broader integration with everyday economic activities.
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